VA Loans
in Los Angeles

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Did you know that there is a special program for affordable home loans with zero down payment for members of our nation’s military? If you are a veteran, an active-duty service member, or an eligible surviving spouse, you may be able to take advantage of the VA loan program.

What is a VA Loan?

A VA loan is one which the US Department of Veterans Affairs insures as part of VA benefits. Because the loan is insured, it is less risky to approve.

This translates to easier qualification, lower rates, and many other exciting features.

Los Angeles VA Loan Benefits

If there is any possibility that you might qualify for a VA loan, it is well worth finding out whether you do. Here are some reasons:

You could move into a home in Los Angeles with zero down payment.

You could pay a lower interest rate for a VA loan than you would if you took out a conventional loan.

You may pay only 1 to 3% in closing costs, or zero closing costs.

With other types of loans, a low down payment often carries a price in the form of a private mortgage insurance (PMI) requirement. You will not need to purchase PMI if you have a VA loan.

There is no funding fee for qualifying disabled veterans.

There are zero prepayment penalties for VA loans.

Credit qualification requirements for VA loans are relaxed in comparison to conventional loan requirements.

If you have any future difficulties with your loan, the VA may be able to provide you with some direction.

Your enhanced bargaining power allows you to negotiate loan terms which suit you.

A VA loan may be used for purchase, construction, upgrades, repairs, or even refinancing.

Are You Eligible for a VA Loan in LA?

You may qualify for VA financing if:

You are a veteran, an active duty service member, or an eligible surviving spouse.

You have served in any of our nation’s military branches. If you were activated in the National Guard or Reserve, there is also a chance you qualify.

You have performed the minimum service required within your area of duty. As a rule of thumb, this is usually about 90 days during wartime or 181 days during peacetime. There are exceptions.

VA loan benefits last a lifetime and can be used unlimited times.

Even if you took out a VA loan in the past, you can still take one out on your next home in Los Angeles.

What if you had a foreclosure or you declared bankruptcy?

These factors are considered when you apply, but they may not disqualify you. It all depends on the specifics, such as how much time has passed.

What Our Clients Say

Caroline Wong
Caroline Wong
17:04 22 Apr 20
Shannon was very prompt and responsive to all queries. The process went more smoothly than I ever could have imagined. Highly recommend Shannon for all your mortgage/re-financing needs.
Sarah Goldberger
Sarah Goldberger
19:36 21 Apr 20
I cannot recommend Shannon highly enough! As an independent contractor, I knew getting a mortgage would be a little difficult, and Shannon supported me and helped make it work every step of the way. If I ever need brokerage services again, she'll be my first call!read more
Kristina Robbins
Kristina Robbins
21:47 15 Apr 20
We’ve worked with Shannon and her team twice and both experiences were stellar. The first was buying our first home and she walked us through the process and explained everything along the way to help us get quickly up to speed. The second time we were going for a refi in maybe the most turbulent mortgage market ever as COVID hit. She guided us through all the hurdles and worked double time to satisfy all the lenders new requests. We got a rate a full percent lower. I can’t recommend this team highly more
Karl Larsen
Karl Larsen
23:55 13 Apr 20
Shannon Christenot is the most amazing lender we’ve ever had. As a matter of fact this is the second time we’ve used Shannon to do a mortgage with us. She held our hand every step of the way. She made the whole process stress-free as well. And when we were coming down to the wire to finish our escrow within the 30 days she got us an extension Without even asking. Now we are locked into a very low rate. We’ve saved hundreds of dollars per month for the next 30 years. We cannot Thank Shannon enough. I would recommend Shanon to anyone thinking of buying a home or more
Tony Bilby
Tony Bilby
03:09 07 Mar 20
Shannon and her team were professional, competent, and swift when it came to the lending associated with my home purchase. We were able to get the loan approved and close on a house in less than 30 days. Record time!read more
Joshua Barton
Joshua Barton
16:05 23 Nov 19
I have had the pleasure of working with Shannon for 8 years - her knowledge of the mortgage process and attention to clients is unparalleled. The Los Angeles market can be tricky with high dollar homes and unique income of the Entertainment Industry, but Shannon takes charge and leads everyone through to successful closings like clock work - cannot recommend her enough a true Rock Star in Mortgage more
Lauren S
Lauren S
04:52 18 Oct 19
Working with Shannon was a real pleasure. She was always available and got back to me promptly with any necessary information. I was able to refinance my mortgage at a rate considerably lower than another larger company quoted who I had started working with. I look forward to working with Shannon again and I highly recommend her to anyone looking for a competent and decent mortgage more
Mike White
Mike White
02:15 27 Sep 19
As first time home buyers we had no idea what we were doing. We were pre-approved by a well known company but quickly discovered that we absolutely did not want to work with them for the actual mortgage. Shannon was recommended to us by a friend and I called on a Saturday morning. By Saturday evening we were well on our way to buying a house (we closed three days ago!). Shannon made navigating these foreign waters so easy, answering all of our newbie questions with patience and grace. Plus she got us a fantastic rate. We are so grateful for Shannon and can not recommend her enough. WE OWN A HOME!!read more
Alaine Smith
Alaine Smith
13:15 26 Sep 19
It was wonderful working with Shannon! She is attentive, thorough, and intelligent. It was easy to communicate with her because she took time to hear and understand my goals and always responded quickly. I highly recommend her to anyone looking. The customer service she provides exceeds expectations by a long shot! Thank you, Shannon, for all your help!read more
Julie Mckay
Julie Mckay
17:20 28 Aug 19
I just purchased my first home! Shannon and her team were truly a dream to work with. I was never left in the dark and she was always quick to respond with all of my questions. My experience couldn't have been easier. I highly recommend Shannon and would use her again in a heartbeat! She is the BEST!read more
jojo quijada
jojo quijada
19:55 27 Aug 19
I've been in the real estate business for over 5 years now, and I always trust Shannon to work with my clients. She and Josh are an AMAZING TEAM! Buyers love to work with Shannon as she gets things done asap and answer any and every question/concern. I couldn't recommend a better person for lending. Can't thank her enough!!read more
Rotimi Ayanbeku
Rotimi Ayanbeku
20:12 15 Aug 19
I always go back to Shannon because she is one of the best in the business! I've worked with Shannon over the years, however, she outdid herself in my last deal. She was so professional, caring and effective that my clients were comparing everyone else in the deal to Shannon. More importantly, we were ready to fund in less than two weeks. Once again, Shannon affirmed my belief in her that she always rises to the occasion. Thank you for being the best!read more
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Apply Now for a VA Loan in Los Angeles with Zero Down

Trying to figure out on your own if you are eligible for a VA loan can be a challenge.

There is also some documentation you will need to gather in order to apply successfully.But you do not need to be on your own. When you schedule a consultation with me, I make the process easy for you. I can tell you based on your service record if you are eligible.

I can also help you to gather the required documents so that you can apply with confidence.

Ready to begin? Please give me a call now at (818) 601-2231 to schedule your consultation for a VA loan. I can’t wait to help you move into a beautiful LA home with zero down, no PMI, and affordable interest rates!

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